How rigid is payload number

blt2ski wrote:
I drive over the gvwr without issues, ---

Marty, just because you drive over the gvwr without issues, doesn't mean that everyone can do the same.

IMO, there's more to consider than just whether an officer might give you an overweight ticket.
There's also civil liability considerations.

IMO, anyone who questions the importance of GVWR (or any other rating) should read Trailer Towing Illegally.

Although being above GVWR might not be above "legal capacity" --
it might be construed as the vehicle "being used to tow something it was not designed to tow".

I would not want to find myself being the defendant in an accident lawsuit where my vehicle was being used to carry load in excess of the manufacturer's specifications.
And, I wouldn't want my attorney to be in the position of having to convince a civil jury that it was okay to exceed the GVWR as long as I didn't exceed the rear GAWR.

Others might be willing to accept more risk than I am.

Ron